The short answer
Instant funding gives you a simulated funded account right away, with no evaluation phase to pass first. You skip the challenge, and in return you trade under tighter drawdown limits from your very first trade. Everything else, the real live prices, the simulated capital, the real rewards and the 90/10 profit split, works exactly as it does on a challenge.
A challenge asks you to prove your trading over one or two phases before you reach a funded account. Instant funding removes that step. You purchase the account and you begin trading the simulated funded balance the same day. There is nothing to pass and no profit target to clear before you can earn.
Instant funding in one sentence
It is a simulated funded account you receive immediately, priced for the speed, and governed by risk limits that apply from day one rather than after an evaluation.
You are still trading against real, live market prices across six asset classes: forex, metals, crypto, indices, shares and energies, more than 1,300 instruments in all, at 1:100 leverage. The capital itself is simulated, so no live money is ever at risk, and the rewards you withdraw are real.
The three instant products at a glance
UZO offers three instant products. They share the no-evaluation model and differ in how they balance risk room against reward speed.
Product | Profit target | Daily drawdown | Trailing max drawdown |
Instant | None | 3% | 5% |
Instant Pro | None | 4% | 6% |
Instant 24h | 3% within 24h | 2% | 3% |
Instant and Instant Pro are available up to $1M, and Instant 24h up to $200K. Instant allows weekend trading and carries no time limit. Instant Pro gives you a looser drawdown envelope (4% daily and 6% trailing, against 3% and 5% on Instant). Instant 24h is the sprint format: reach a 3% gain within a 24-hour window that starts on your first trade. Each product is covered in full in its own article.
What you skip, and what you trade for it
What you skip is the evaluation itself. There is no Phase 1, no Phase 2 and no profit target to unlock the account, other than Instant 24h, which has its own short target as part of the sprint format. Instant funding does ask for a short track record before your first reward: 5 trading days on Instant, 6 on Instant Pro, and at least 7 trades within the window on Instant 24h.
What you trade for that speed is a little risk room. Because there was no evaluation first, the drawdown limits apply from your very first trade. They are:
A daily drawdown limit, measured on your equity including any open or floating profit and loss, which resets at 00:00 UTC each day.
A trailing maximum drawdown that follows your equity as it rises.
A maximum single-trade loss, so that no one position can put the account at risk.
The exact percentages are in the table above and are always shown on your dashboard. If you would prefer more breathing room, a challenge may suit you better. If you would rather begin trading the funded balance today, instant funding is the path.
What stays the same as a challenge
Instant funding is not a different kind of account underneath. The core UZO model is identical.
Real, live prices on simulated capital, with no live capital at risk and real rewards.
1:100 leverage, fixed at every account size, across more than 1,300 instruments.
Expert advisors, bots, custom indicators, news and overnight trading are all welcome. EAs and copy trading are permitted with unique, distinctive settings and only across accounts you personally own. Latency or HFT arbitrage and strategies designed to exploit the simulation are not permitted.
Identity verification (KYC) is completed once, right after your purchase and before your account is activated, through our identity-verification partner. You verify in your own name, remaining the same person shown on your documents throughout, and rewards are paid only to a bank account or crypto wallet held in that same name.
95% of rewards are approved in 2 to 3 hours and paid in about 12 hours, by bank transfer or crypto.
How much you keep
You keep 90% of the rewards you earn on every instant product, the same 90/10 split UZO applies on One Step, Two Step, Instant, Instant Pro and Instant 24h, at every account size. It is one of the most generous shares available anywhere.
Where to go next
If instant funding sounds right for you, compare the three products and weigh them against a challenge before you buy. Whichever you choose, size your risk to the published limits shown on your dashboard rather than to the target.
Related
Instant, Instant Pro, and Instant 24h
Challenge or Instant: which should I pick?
What is the difference between a challenge and instant funding?
How instant funding works
Simulated trading, explained